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EPF Calculator

Project your PF balance at retirement.

₹
₹
%

8.25% declared for FY 2024-25

years
years
%
EPF at retirement
₹2,16,93,092
₹2.17 Crore
Your + employer contributions
₹64,22,708
₹64.23 Lakh
Interest earned
₹1,52,70,385
₹1.53 Crore
Contributions₹64,22,708 (30%)
Interest₹1,52,70,385 (70%)
Year-by-year (by age)
YearContributionsInterestBalance
26₹71,406₹3,191₹74,597
27₹75,726₹9,538₹1,59,861
28₹80,262₹16,775₹2,56,898
29₹85,025₹24,994₹3,66,917
30₹90,026₹34,294₹4,91,236
31₹95,277₹44,785₹6,31,298
32₹1,00,790₹56,586₹7,88,674
33₹1,06,579₹69,828₹9,65,082
34₹1,12,658₹84,654₹11,62,394
35₹1,19,041₹1,01,217₹13,82,652
36₹1,25,742₹1,19,688₹16,28,082
37₹1,32,779₹1,40,250₹19,01,112
38₹1,40,168₹1,63,105₹22,04,385
39₹1,47,926₹1,88,472₹25,40,784
40₹1,56,072₹2,16,589₹29,13,445
41₹1,64,625₹2,47,716₹33,25,786
42₹1,73,606₹2,82,135₹37,81,528
43₹1,83,036₹3,20,155₹42,84,720
44₹1,92,938₹3,62,111₹48,39,769
45₹2,03,334₹4,08,367₹54,51,471
46₹2,14,251₹4,59,321₹61,25,042
47₹2,25,713₹5,15,403₹68,66,158
48₹2,37,749₹5,77,082₹76,80,989
49₹2,50,386₹6,44,871₹85,76,245
50₹2,63,655₹7,19,322₹95,59,222
51₹2,77,587₹8,01,041₹1,06,37,850
52₹2,92,216₹8,90,681₹1,18,20,747
53₹3,07,577₹9,88,956₹1,31,17,280
54₹3,23,705₹10,96,641₹1,45,37,627
55₹3,40,640₹12,14,577₹1,60,92,843
56₹3,58,422₹13,43,677₹1,77,94,942
57₹3,77,093₹14,84,934₹1,96,56,968
58₹3,96,697₹16,39,427₹2,16,93,092

How to use

  1. 1Enter your monthly basic salary + DA and your current PF balance.
  2. 2Enter your age and the age you plan to retire (58 by default).
  3. 3Set your expected yearly salary increase and the EPF interest rate.
  4. 4See your projected PF corpus and a year-by-year table.

Frequently asked questions

How much goes into my EPF every month?

You contribute 12% of basic + DA. Your employer also pays 12%, but 8.33% of up to ₹15,000 (max ₹1,250) goes to the pension scheme (EPS), and the rest goes to your EPF.

What is the current EPF interest rate?

EPFO declared 8.25% for FY 2024-25. The rate is set every year, so change it in the calculator if a new rate is announced.

How is EPF interest calculated?

Interest is worked out monthly on your running balance and added to your account once a year. That's how this calculator does it too.

Is the EPS pension included?

No. The EPS share doesn't build up in your EPF balance; it gives a monthly pension after 58 instead.

Is EPF tax-free?

Withdrawals after 5 years of continuous service are tax-free. Interest on your own contributions above ₹2.5 lakh a year is taxable.

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